Debit and credit card expiration dates: What you need to know

Part of learning to manage your finances as a teen is understanding how debit and credit cards work. Some only use them for occasional withdrawals or purchases. But many of us use debit and credit cards to pay for everyday expenses, such as food, clothing, and housing. So, what are credit and debit card expiration dates for? Let's find out.

What is a debit and credit card expiration date?

All debit and credit cards have an expiration date in a 2-digit MM/YY format, such as 11/26 for November 2026. You can usually use the card through the last day of that month. 

When you buy things online, most merchants ask for your expiration date during the purchase process. It's part of their verification system, ensuring the payment details are accurate.

Where to find the expiration date on your debit card

You’ll usually find the expiration date on the front or back of your debit card near the cardholder name or the words "Valid Thru." 

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Some cards use raised numbers on the front, while others place them near the magnetic strip on the back. Location depends on your card issuer.

Why do debit and credit cards have expiration dates?

Expiration dates aren’t tied to your account status. They’re there to:

• Replace worn-out cards. The material wears down over time and stops working.

• Upgrade security. Banks use expiration dates to roll out new safety technologies, like contactless payment options or new EMV chips (Europay, Mastercard, and Visa).

• Prevent fraud. Online purchases require the expiration date to confirm the card is valid, making it harder for fraudsters to use stolen card numbers.

When do debit and credit cards expire?

Most cards expire between three and five years after their issue date. If you order a new card in 2025, it’ll likely expire between 2028 and 2030. 

Most banks or providers will mail you a new card 1-2 months before it expires to whichever address they have on file. If you don’t get one, you can call to request a new card.

What happens when a debit card expires?

Once your debit or credit card expires, all payments will be declined at stores, online, and for automatic or subscription payments. If you forget to update your payment information, you might get late fees or service cancellations. No fun!

To avoid hiccups, keep an eye on your expiration dates and update your payment info wherever it’s saved. Make sure to activate your new card to keep things running smoothly.

What to do with your old, expired debit card

Once your new card arrives, don’t just toss the old one! Even some expired cards hold sensitive info. The safest move is to cut it up with scissors, right through the chip, magnetic strip, and any personal details. Some banks also offer recycling programs for extra security.

FAQs

If my debit card expires this month, can I still use it?

Yes, usually through the last day of the month printed on your card.

How long do debit cards last?

Most cards are good for three to five years.

Do debit cards expire at the beginning or end of the month?

Debit cards expire at the end of the month printed on your card.

Will my bank automatically send me a new debit card before the old one expires?

Yes, usually a month or two before expiration. Contact your bank if it doesn’t arrive.

I have a few online subscriptions linked to my debit card. What happens when it expires?

Your payments will be declined unless you update the card information with each provider.

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You can send money quickly, approve specific stores, and track spending as your child builds healthy money habits. It’s all part of Greenlight’s mission to raise financially confident kids and give parents peace of mind. Try Greenlight, one month risk-free.†

*Greenlight Core families can earn 2% per annum, Greenlight Max families can earn 3% per annum, Greenlight Infinity families can earn 5% per annum, and Greenlight Family Shield families can earn 6% per annum on an average daily savings balance of up to $5,000 per family. To qualify, the Primary Account must be in Good Standing and have a verified ACH funding account. See Greenlight Terms of Service for details. Subject to change at any time.

**Greenlight Max, Infinity, and Family Shield families can earn 1% cash back on spending monthly. To qualify, the Primary Account must be in Good Standing and have a verified ACH funding account. See Greenlight Terms of Service for details. Subject to change at any time.